AgAmerica Lending was founded in Lakeland, FL, in 2009 as a progressive alternative to traditional agricultural lenders. The founders, both having significant experience with ag land investment projects, sought to change the lending game and introduce smarter lending that focused on the farmers’ needs.
As the nation’s premier non-bank lender specializing in agricultural real estate, AgAmerica Lending partners with cotton and row crop farmers, cattle ranchers, fruit and vegetable growers, and timberland owners to fund their operations. The AgAmerica Lending team has over 200+ combined years of ag experience and is dedicated to the success of farmers and ranchers who share their passion for the land.
The AgAmerica Lending Difference
Agricultural lending is one of the most granular commercial lending markets in the country, with approximately 3.2 million farmers operating 2.1 million farms in the United States. The majority of these American farms are family farms, making up 97% of the market.
AgAmerica Lending is committed to working with multi-generational family farms to help them finance the future of their increasingly diverse operations. With an extensive network of correspondent lenders across the Southeast and Texas providing a personal touch in the field, we deliver an unparalleled hands-on experience for farmers and landowners. These personal connections with borrowers combined with our commodity knowledge and land valuation expertise, position us as the nation’s premier land lender.
When you work with AgAmerica Lending, you will work personally with one lending team from start to finish. Our experienced lending team will work closely with you to identify your operational goals and financial needs to build a custom loan package designed to meet those unique needs. We believe in transparency throughout the customized process and value the long-term relationships we form with our borrowers.
Approach to Lending
As an unregulated lender, AgAmerica Lending offers a broad spectrum of loan solutions that help fund borrowers who may not qualify for traditional agricultural loan programs. Our tiered pricing creates borrower-specific solutions based on financial goals and loan risk. Taking a common-sense, collateral-focused approach to underwriting, we create options for farmers and landowners that traditional income-based loan programs cannot.
Equity Line of Credit
AgAmerica Lending offers a modern approach to lending through our 10-year line of credit. This industry-unique, interest-only line of credit can be used for a decade with no annual paperwork renewals, pay-down periods, or non-use fees, allowing you to focus on your operation.
Agricultural Farm, Ranch, and Timber Land Loans: Whether it’s planting or harvesting season, or you are looking to diversify or expand your operation, our Agricultural Land Loan is a customizable solution to help you meet your operational goals.
Bridge Land Loans: We understand farming has its ups and downs. Our short-term, interest-only, asset-based loans are a great source of fast, flexible funding.
Recreational and Large Tract Land Loans: If you’re a hunter, hiker, angler, or conservationist looking to invest in a beautiful piece of recreational land, our Recreational and Large Tract Land Loans are the perfect fit.
Rural Infrastructure Loans: AgAmerica Lending is supporting solar farms, wind farms, cell towers, and broadcast towers in rural areas because they ultimately help the American farmer.
- Own or plan to buy 25+ acres of permanent plantings or 100+ acres of agricultural row crop, timberland, or pasture
- Desired loan amount: $100,000+
- Loan value must be less than 75% of the property value
- Borrower must be a U.S. citizen or permanent resident alien
Benefits of working with AgAmerica Lending:
- No standard prepayment penalty on early payoffs
- No cost on initial in-house underwriting of the loan application
- Flexible payment plans: monthly, quarterly, semi-annual, or annual
- 25-year amortizations available
As the nation’s premier land lender, AgAmerica Lending is there for farmers and ranchers in good times and bad. Like you, we have a deep respect for the land and understand the risk involved in farming, and how factors outside your control can affect you as an operator. When it’s time to make improvements to protect what you have worked so hard to build, or if you are looking to expand your current operation, we are here to partner with you.
Contact us at 844-516-8177 to discuss a custom financial solution that will help you accomplish your long-term goals or visit agamerica.com to learn more.